Nebraska Auto Insurance Basics

By Hayden KruegerPublished: Monday, September 21st, 2009

Nebraska is located on the Great Plains of the Midwestern States. It has a population of around one million eight hundred thousand people and the capital city is Lincoln. If you are planning to be driving around Nebraska, you will need to make yourself aware of the basic laws and requirements of the state. You need to ensure you are adhering and following the rules and regulations of the state you are living in.

One aspect of your life where, adherence to rules has to be strict is driving. There are a lot of rules and regulations in place with regard to driving. Care should be taken to follow each rule written with respect to driving. Insurance is very important when you are planning to take a drive. Insurance protects you from any damage in the unfortunate event of a mishap. In Nebraska, you must have insurance coverage. Every state has a minimum insurance cover, it deems as mandatory. Every driver on the road must be covered by insurance in these mandatory policies.

The state of Nebraska provides you a learner’s license at the age of fifteen, a restricted license at sixteen and a full driver’s license at seventeen. Nebraska has some very strict rules and guidelines about registration, insurance coverage and minimum liability.

In the State of Nebraska, you must have a current insurance policy with a recognised insurance company. There are many different kinds of insurance policies. Care must be taken to ensure the mandatory policies are included in your insurance policy. The quotes offered by the companies very. Shop around and get many quotes and find out which is the best for you. Many companies offer different services which are not mandatory. Ensure you select every policy which is necessary in your opinion.

One of the mandatory policies in the State of Nebraska is a policy for the third party liability insurance. This insurance policy is also called PLPD. It has accidental benefits coverage. It also has uninsured and unidentified driver’s coverage. This policy insures you, in case, you injure someone. It also insures in the unfortunate event of a death or even damage someone’s property. The mandatory policy also states that in the State of Nebraska, a motorist must have third party liability of twenty five thousand dollars for each person to a maximum of two people. If there is more than two people filing for damages, the persons filing first gets the money. You must also have an additional twenty five thousand dollars for any property damages. You must also ensure you carry you license and some proof of insurance. If in the event of found driving without a valid license or a proof of insurance, your vehicle can be towed away. This is the case even if your license has expired or your insurance is not current and has lapsed. Your license can also be taken away or suspended if you owe child support. Take care to ensure all the mandatory requirements are fulfilled. Make your payments regularly as missing even a single payment may result in your license being cancelled.